American Express Card Number Format 2023

by Homer Dennis

Almost everyone knows about credit and debit cards. Thanks to credit cards, it has become very easy to do both offline and online transactions. You don’t need to carry cash with you every time you go shopping.

Technology is evolving very fast. A credit card is a prime example of our technology capabilities. Now, we don’t need to carry physical cash in our wallet. We can just swipe a card to do any payments. Thus, credit cards have the potential of converting our economy to a cashless economy.

There are two different types of cards: credit and debit card. But, the credit card is more famous and popular. There are many reasons for this, which we will discuss later on. Both cards are capable of doing secure and cashless transactions.

Both the cards have a similar working procedure. Both cards are connected with your bank account. Thus, you can access your bank account using these cards without visiting the bank. This makes our transaction faster and more secure.


American Express Card Number Format 2023

There are many different types of banks and issuers who provide a credit card. One of them is AmericanExpress. If you are an American Express credit card user, then you must know some important information about it.

Every AmEx credit card number has a special algorithm or format. Thus, every card number is unique. These credit card numbers are used to identify your credit card. This algorithm is different for different issuers.



These credit card numbers are not randomly generated. Every part of your credit card number is generated from a special algorithm. This algorithm is approved by the government. Thus, these algorithms can be used to identify any type of credit card.

Similarly, American Express also has a special algorithm. We are going to discuss the algorithm in this article.


Understanding the American Express Card Number Format

American Express Card Number Format 2023: Understanding the American Express CardNumber Format
American Express Card Number Format 2023: Understanding the American Express Card Number Format

The AmEx or American Express credit card is one of the most popular credit cards in the USA. It has currently more than 50 million users around the globe. There are more than millions of transactions which are done using American Express card every day.

If you are using an American Express credit card, then you must know the basic details of the card. The most important thing in any credit card is the credit card number. Thus, we are going to discuss in brief about the AmEx credit card number. As we have already told you that these credit card numbers are not randomly generated. They follow a similar algorithm or pattern. Thus, we will try to explain to you some part of that algorithm.


How special of the AmEx card number format

There is a special format or algorithm which is followed by every AmEx credit card number. This is to make sure that no one can randomly generate fake credit card numbers. This special format or algorithm is approved by the government. Thus, these algorithms can be used to identify your credit card.

Even if someone randomly generates Amex credit card numbers, they still won’t be able to use it. The main reason for this is that every transaction is checked by the bank. If your credit card is linked with a bank account then the transaction gets approved. Otherwise, your transaction gets declined. Thus, it is impossible to use fake credit card numbers online.


First Digit Story

The first digit is always used to identify the issuer of the credit card. Thus, it is constant in every credit card issued by that issuer. For American Express or Amex credit card, the first number is always 3. Thus, if any credit card number is starting with 3 then it is issued by American Express.

This is used by merchants and companies to identify the credit card issuer. This number is also not randomly generated. It is approved by the government. Thus, your credit card will get identified easily.


Second Digit Story

The Second digit is also used to identify the issuer of the credit card. For AmEx or American Express credit card, the second digit is 7 or 4. This number is constant in every AmEx credit card.


AmEx Card Number Length

AmEx also has a specific credit card number length. This length is constant in all the AmEx credit card numbers. Every AmEx credit card number is 15 digits long. Also, every credit card number is unique.

Every credit card number is divided into three separate parts. The first part of every credit card is of 4 digits, the second part is of 6 digits and the last part is of 5 digits.

The credit card number length is different for every provider. Each issuer and bank can choose the credit card number length. For example, Amex number length is 15, while Mastercard number length is 16. The Visa credit card number length is 19 which is the maximum length of any credit card number. Visa credit card number starts with “4”.



These were all the important information regarding AmEx or American Express card number. This is the basic information which you must know before using your credit card. Also, there is a security feature added in your credit card number. Thus, your credit card is more secured when compared with other payment methods like cash and PayPal.


Other Deals with the American Express Card Number Format

American Express Card Number Format 2023: Other Deals with the American Express Card Number Format
American Express Card Number Format 2023: Other Deals with the American Express Card Number Format

Now, you know about your credit card number format. This will help you in when you are doing transactions online. You must remember your credit card number if you want to do fast transactions. If you are using a credit card in offline stores, then all you need to do is slide your card. But, in online transactions, you need to enter your credit card number. Thus, remembering your credit card will be helpful.

But, a credit card is not limited to its number only. You need to know about other important information like cardholder name and security code also. All this information becomes very important during online transactions.

You need to enter your name, security code, zip code, and address during the payment process. This information is used to validate your transaction. Thus, we are going to discuss in detail about all this important information.


Cardholder's Name

Every credit card has the name of the cardholder on the front side. Thus, the cardholder name is used to identify the real owner of the credit card. It is generally the name of the person who applied for the card.

In AmEx or American Express card, the cardholder name is written on the lower part of your card. You can check it in the lower left side of your credit card.


Card Identification number

The identification number is also known as a security code or CVV. This number is used to authorize all the transactions which are done from your card. Thus, it prevents any hacker from misusing your card.

Most of the credit card issuers use three-digit CVV or identification number. But, American Express or AmEx uses a four-digit CVV code. You can find this code on the front side of your credit card.

Card Identification number
Card Identification number


AmEx Card Expiration date

The expiration date is also very important information. It is used to validate all your online transactions. Every credit card has an expiration date. Your card becomes useless after the expiration date. Thus, you must know about the expiration date of your credit card.

In AmEx credit card, the expiration date is written in the format of “mm/yy”. The date is never mentioned in the expiration date. You can find it on the front side of your credit card. Generally, it is written between your credit card number and cardholder name.

These were all the important points which you should know. Now, you can easily do both online and offline transactions. All these information are very important and sensitive. Thus, never share this information with strangers. Don’t give your credit card to someone you don’t trust. Otherwise, they can use your credit card at any time they want.

Now, we are going to tell you how to be safe from hackers and scammers.



Privacy and safety

First, you must secure your credit card information. Make sure you don’t share your credit card details with strangers or people you don’t trust. Also, never take pictures of your credit card. Try to keep your card information as confidential as you can.

Also, write down all the important information about your credit card. This will help you in blocking your credit card, in case it is lost or stolen.


Carelessness and Recklessness would cost dearly

Your credit card information is very sensitive. But, people don’t understand this fact. They use their credit card carelessly. Try to avoid using your credit card on every random website online.

First, you must do research about the website. If that website is reputed then you can share your credit card info. Otherwise, skip that website. Many fake e-commerce websites share the credit card info of their users with hackers and scammers. Thus, you must use your credit card carefully online.

These were all the important information about AmEx credit card. Now, you know about your card number format and how to use your credit card. Make sure that you don’t share your credit card info with strangers.

About Homer Dennis

Born and raised in an environmentally conscious family, Homer developed a strong awareness of the impact of human activities on the planet from a young age. This early exposure to eco-friendly practices and sustainability principles inspired her to pursue a career focused on promoting renewable energy and advocating for a more sustainable lifestyle.

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